Reddit personal finance subs are a goldmine of some of the best money-related advice you’ll find anywhere on the internet. Better yet, they’re totally free! So this article will show you exactly where to find financial subs, what are the best subreddits for your personal finance Reddit needs and how Reddit money saving tips are everything you need and more to set yourself up for financial freedom.
Table of Contents
What’s a “money subreddit” and how do I use it?
Firstly, Reddit is the third most popular website in the world with 330 million active users.
And all those people love to post about pretty much anything you can think of.
Which is where subreddits come in.
They’re essentially topics that say what people can post about when they go that page.
For example, you may be looking for running tips – including things like how to get started at running, how to run faster, how to prevent injury, stories on people who have run marathons and more!
If so, you need r/running – and yes, that’s how you write a subreddit’s name.
(In fact, that subreddit is where I got a bunch of the tips included in our article on how to get fit for free.)
And they can get far more specific that that! For example, there are a ton of subreddits for saving money on things like how to eat cheaply, how to live frugally, how to churn credit cards and more.
You don’t even have to post your own questions to take advantage of the mountain of information that’s available on Reddit.
Instead, do what I do and just lurk around whichever subreddit catches your eye – then subscribe to it to make sure you can easily see all of the topics you’re interested in in one place.
(Lurk = to watch what’s happening in a subreddit without actually posting anything.)
You’ll be seriously amazed at what you find on there.
And sometimes grossed out and maybe sometimes a bit shocked (it’s best not to get easily offended on Reddit)…but there’ll always be something you didn’t know before.
I mean, think of the strangest financial question you have. It helps if it’s one you’re really embarrassed about.
Got it? Well, I guarantee there’s a personal finance Reddit post that covers it.
So if you’re wondering where to find financial subs, check out our list below of the best of Reddit personal finance!
General personal finance Reddit subs
1. r/personalfinance
This is the king of the Reddit personal finance subs.
With over 13.6 million subscribers and often more than 10,000 users on at any one time, it’s easily the most popular personal finance Reddit sub with answers to any money-related question you could possibly think of.
(It’s also reassuring to see so many people in a similar situation to you, especially if you’re facing your very own personal finance issues!)
Also, you’ll notice that posts on the main personal finance Reddit page look like this:
See that grey tag marked “credit”? That’s called a flair and there are a bunch of different ones used on r/personalfinance.
And not only do they tell you what the post is about but if you click any flair, you’ll see only those posts which relate to the flair topic.
Which can be really useful if you’re looking for tips on a specific subject.
(And in relation to that post, it’s probably a good idea to check your own credit report here for free to make sure you don’t have any “mystery cards” under your name either!)
Best Personal Finance Reddit post
As this is the hub of all personal finance Reddit tips, there are seriously a TON of amazingly useful articles.
The personal finance wiki has a wealth of information, making it impossible to pick one that’s the best.
I do have a soft spot for this post though: Reminder: Paying rent is not “throwing away” money
As a renter myself, it’s great to see that the old message of “you have to buy a house!” isn’t always the best option for everyone (like me!)
2. r/PFTools
This personal finance Reddit sub isn’t the most active one on the site, but it’s got some great tips that you’ve probably never heard before.
People post about the personal finance-related tools that they’ve found online, that they’ve created themselves or that they’re looking for, meaning it’s a great place to find some nifty little apps and other things I know I wouldn’t have otherwise found.
What’s a good post to check out in this subreddit?
This post on Daily Balance Predictor – helpful for those living paycheck to paycheck has a great little tool that the poster developed to make sure you can pay for all your bills and won’t run out of money before your next paycheck.
Of course, you could do the same by automating your finances, as well as creating a budget with this step-by-step guide to make sure you’re only spending what you need to…
3. r/FinancialPlanning
This subreddit is similar to r/personalfinance just with “only” 59,000 subscribers.
That means that it has a lot of similar finance-related questions, just less of them.
This can actually be a good thing though if you’re a bit overwhelmed by the volume of information in r/personalfinance or want to make your own post and are concerned that it will get lost in the traffic of the larger subreddit.
And given it describes itself as a place where you can “discuss and ask questions about personal finances, budgeting, income, retirement plans, insurance, investing, and frugality”, it’s definitely a money subreddit to keep an eye on.
What’s a good post to check out in this subreddit?
This person has run the numbers and shows exactly why bringing lunch to work is a great financial strategy.
They even touch upon what food they make to achieve this, making it super easy for you to do the same.
And to make it even easier on yourself, take a look at this article: HOW I SAVED $300 ON MY GROCERIES IN ONE MONTH
Country/region-specific Reddit personal finance subs
There are some great Reddit personal finance subs that are country-specific.
If you’re in the US, then r/personalfinance has you covered.
But for everyone else, while the tips on that subreddit are almost always applicable everywhere, sometimes you want to ask about retirement accounts that aren’t 401(k)s or discuss investing in properties in the context of some fairly country-specific quirks.
So take a look at the money subreddit for your country or region to see what you can find.
4. r/PersonalFinanceCanada
This subreddit has 100,000 subscribers all devoted to Canada’s pressing money questions.
It’s a fairly active sub with a lot of great new content posted throughout the day, so you’re likely to get an answer to any question you have fairly quickly, eh!
What’s a good post to check out in this subreddit?
It may just be because this post touched a nerve with me, but this post will have you fuming if you’ve been in the same position:
Are any other young women treated like crap when they go to discuss their finances with banks?
I don’t know what’s more infuriating to be honest: the story in the original post or the fact that so many others have similar stories showing that it’s not a one-off…
5. r/UKPersonalFinance
Much like their Canadian friends, this personal finance Reddit sub is devoted to UK money matters.
And with a similar amount of subscribers to the Canadian version, you’ll see a good amount of new posts popping up from day to day.
What’s a good post to check out in this subreddit?
A Simple Example of Contributing Half Your Age as a Percentage of Salary to a Pension
This is a super interesting post showing whether a “rule” you’re often told actually stands up when you put real numbers to the test.
It may not exactly line up with your own situation, but it’s a great way to see how these “rules” work in practice.
RELATED ARTICLE: THE ONE PRINCIPLE THAT WILL GUARANTEE YOUR FINANCIAL FUTURE
6. r/AusFinance
And now the money subreddit for our mates down under!
This is a particularly good personal finance Reddit sub if you like arguing about whether investing in property is a good financial decision, as there’s a fairly good contingent on each side of the argument in this subreddit.
What’s a good post to check out in this subreddit?
Why buying a new car with a car loan is the worst financial decision you can make
Having all the arguments against buying a brand new car (especially using a loan) in one place is a great eye-opener if you were thinking about doing this yourself.
Essentially, not only will you lose money, but by getting a loan for it, you’ll be paying way more than it’s worth (and WAY more than you’ll ever get back from reselling it).
7. r/eupersonalfinance
This is a much smaller money subreddit than r/personalfinance and, clearly, relates solely to the EU.
It’s especially interesting for all the tips on investing in the various EU countries as well as how different costs of living (and different salaries) are dealt with by people living throughout the region.
What’s a good post to check out in this subreddit?
First year of tracking expenses – living in Latvia at 14k €/yr
The reason I think this is a good place to start is because most of you probably don’t live in Latvia (sveiki, if you do!) and probably earn more than this because of higher salaries in many (western) countries.
So it can be helpful to see how you can easily survive – and, in this person’s case, save a lot – in different financial circumstances.
Which may be especially interesting to any of you considering a move overseas!
Reddit money saving tips for food
Personal finance Reddit posts don’t have to only be about things like investing and paying off debt.
After all, food costs are usually the biggest expense in any household budget after accommodation – meaning that saving money in this area can have a massive effect on your overall budget.
So check out some of the best subreddits for saving money on your food costs.
8. r/MealPrepSunday
With almost one million subscribers, you’ll find tons of amazing tips here on how to meal prep as well as simply getting inspiration from other people’s meal prepping.
And given that meal prepping so you can bring your lunch to work is one of the best ways to save money on food, seeing what this subreddit has to offer could be just what you need to start meal prepping yourself!
I have to say that my biggest problem with meal planning is that I struggle to think of new things each week.
While this subreddit certainly helps, I personally like to get around this issue by having the meal plans sent directly to me.
For that, I use a service called $5 Meal Plan. It costs, surprise surprise, $5 per month – meaning that for only $1.25 per week, they send me meal plans, recipes and shopping lists.
I can’t stress this enough: the amount of money AND time I’ve saved is worth way more than $1.25 per week. And better yet, the recipes only cost about $2 per person to make, so my wallet’s even happier about it.
Take a look by signing up here for a 14-day free trial!
What’s a good post to check out in this subreddit?
Transformation – around €2.5 per meal
This is a super simple but effective way to show just how you can turn some pantry staples into a week’s worth of food.
And for only EUR 2.50 (around USD 2.80) per meal, it’s easy to see how much better this is for your wallet than buying lunch at work.
RELATED ARTICLE: 9 ITEMS TO ALWAYS HAVE ON YOUR SHOPPING LIST TO SAVE MONEY
9. r/7dollardinners
This is a small but interesting subreddit that, as they say, is “dedicated to making filling meals for under $7”.
Note that that’s $7 for the entire meal, not per person, so it’s almost as cheap as the post mentioned above.
A lot of the food is based on Indian dishes so if you’re a fan of them (as I am!), then this is the place for you.
What’s a good post to check out in this subreddit?
Thoughts on doing a strict diet while keeping costs down?
If you’ve ever considered doing a diet like keto or paleo but were worried about the costs, then this post is one to consider.
While there aren’t a lot of responses, the top answer to the question sets out some great options to save money while also sticking to your diet.
RELATED ARTICLE: 30 EASY RECIPES FOR DOING KETO ON A BUDGET
10. r/budgetfood
Another day, another personal finance Reddit sub for saving money on food!
This one does just what it says in the title: gives you Reddit money saving tips to satisfy both your stomach and your wallet.
I love to check this one from time to time to see what people have thought of. It’s always amazing to see how unbelievably creative some people are in how they use food to create some culinary masterpieces
What’s a good post to check out in this subreddit?
What are your absolute best budget food tips?
All of the best tips to save money on food in one place? What’s not to like!
RELATED ARTICLE: A ONE-WEEK MEAL PLAN ON A BUDGET (ALL RECIPES WITH FIVE INGREDIENTS!)
11. r/EatCheapAndHealthy
With over one million subscribers, this is THE Reddit personal finance sub if you’re looking to eat healthily on a low budget.
What I love about it is that it’s (mostly) not recipes. Instead, there are a ton of questions on things like how to eat cheaply with dietary restrictions, what cheap food lasts the longest and what are some budget snacks to have during class for college students to save money.
What’s a good post to check out in this subreddit?
What is the recipe you always go back to?
If you’ve ever asked people what their secret recipe is, then this thread is like asking a small island nation that same question.
Not only are the recipes cheap, but you know that people would only go back to meals that taste good – so it’s like the best of what this subreddit has to offer in one place!
12. r/Cheap_Meals
This is like a smaller version of the previous subreddit – but don’t overlook it just because it’s less active than the last one.
Instead, it’s still one of the best subreddits for saving money on food.
Compared to some of the other food-related subs above, it’s mostly recipes, so it can be a great place to visit near the end of the day when you’re trying to figure out what to have for dinner (if you haven’t been using a meal plan, that is!)
What’s a good post to check out in this subreddit?
This recipe for leek and potato soup
Full disclosure: I haven’t tried this recipe.
But the main thing I love about it is how the recipe is set out. It’s like a bullet journal for cheap food!
RELATED ARTICLE: 15 INCREDIBLE BULLET JOURNAL PAGE IDEAS TO STICK TO YOUR BUDGET
Reddit investing subs
While you may have seen that r/personalfinance has a lot of its own investing advice, perhaps you’re looking for more of a specific focus on this topic.
This is especially the case if you’re just starting out with investing and so are looking for tips from people who’ve been there, done that.
So take a look at these Reddit personal finance subs which are solely devoted to investing to see where you could be putting your money to get it working for you.
13. r/investing
I’m sure you’ll be shocked to hear based on its name that this is the biggest investing subreddit out there.
As far as personal finance Reddit subs go, this has everything you need to not only get your own investing tips, but to see other people’s successes…and absolutely disastrous failures.
It’s not just a bunch of people asking which stocks to buy. Instead, it’s a really good mix of people giving advice on a range of different investments, letting you see just what’s available whether you’re looking to start investing yourself or would like some tips on how you can improve your own investing strategy.
What’s a good post to check out in this subreddit?
This isn’t good investing advice exactly, as hindsight’s 20/20, if only we all had a crystal ball etc. etc.
But still…if you had an iPod in 2001, where is it now? I couldn’t tell you where mine is…but I definitely could have told you where my hypothetical $62,000 of Apple stock would be.
14. r/Bogleheads
Jack Bogle, the founder of Vanguard, is a god around these parts.
If you don’t know what some of those words mean, then download that free e-book I just mentioned and get ready to find out about the person who’s single-handedly changed the investing landscape.
(Case in point: his work is responsible for one-third of all US investments. These are crazy numbers, kids.)
So this personal finance Reddit sub is for his devotees and for people who worship at the altar of index funds.
(Don’t know what that is either? The book explains all, I promise!)
What’s a good post to check out in this subreddit?
This simple quote makes a great point that is repeated time and time again by the Church of Index Funds: high fees are eating into your money.
To the extent that, as he points out, fees of even 1% can cost your investments millions of dollars over your lifetime.
So clearly a low-fee investment like the one explained here used by, as mentioned, one-third of all US investors, could be a good way to go…right?
15. r/StockMarket
If you’re more interested in trading stocks than index funds, then this is a great addition to your Reddit personal finance arsenal.
It’s more about providing market updates and analysis rather than recommending individual stocks – which is a good thing, as anyone who tells you they can see into the future about a particular stock’s performance is either lying or breaking the law with insider trading. Up to you which one you prefer.
What’s a good post to check out in this subreddit?
Two posts this time!
These show how the biggest companies in the stock market performed on a given day. As you can see, the first post shows a bloodbath while the second one shows sweet, sweet green as far as the eye can see.
The point of showing you these is to see how the stock market can definitely go up and down and it can be a wild, scary ride in the process.
But the stock market always goes up over time, making it easily the best investment vehicle for your money.
After all, that first sea of red? It corrected upwards only a few months later!
(That said, I don’t buy individual stocks as I don’t like the risk involved. Investing in low-cost index funds is a much better way to get your money in the stock market for less risk, less cost and more consistent reward over time.)
Subreddits for saving money
If you want the the simplest Reddit money saving tips available in only a few clicks, then what you need are these: the best subreddits for saving money.
(These 250 money saving tips may help too!)
16. r/frugal
This is easily one of my favorite Reddit personal finance subs just for the sheer amount of amazing ideas.
It’s a goldmine of tips on how to save money in all areas of your life – without crossing the line into “cheap”.
Check it out as I promise you’ll be amazed at some of the ideas out there on how to get your spending under control.
What’s a good post to check out in this subreddit?
Girlfriend and I wanted a large mirror on our wall, but didn’t want to spend $$$
Whether or not you, too, are looking to put a large mirror on your wall, I love this post for showing how simple yet effective the ideas in this subreddit can be.
It looks great and the fact it only costs $24 is pretty damn incredible.
17. r/povertyfinance
This is for people who want to strip r/personalfinance down to the bare bones.
By this I mean: if you’re struggling to make it to your next paycheck and you need a Reddit personal finance sub to help you, then this is what you’re looking for.
It’s all very well and good to talk about investing and so on, but when you’re trying to save money on a low income, you sometimes need a different type of advice to get you there.
And this is definitely full of some of the best Reddit money saving tips you’ll find if you’re struggling with your finances right now.
What’s a good post to check out in this subreddit?
It’s a long title but makes a great point – if you can work more now and earn even a few extra dollars, the long term payoff can be huge.
What’s really great about this post though – and many others in this sub – is the discussion in the comments on why this may not be a good idea for everyone (which mainly boils down to: don’t kill yourself by working too hard for that extra dollar).
So as a bit of healthy debate can never hurt, take a look to see if it’s the subreddit for you!
18. r/minimalism
This isn’t strictly a Reddit personal finance sub – or perhaps I should say isn’t ‘only’ one of the subreddits for saving money.
While saving money is definitely one of the reasons that many followers embrace minimalism, others also like it for the stress relief of just not having stuff.
So maybe you’re sick of buying crap you don’t actually need. Or all that stuff filling your cupboards is stressing you out.
(If so, you know you can make money from decluttering, right?)
If that sounds like you, maybe r/minimalism is just what you’re looking for!
RELATED ARTICLE: 17 THINGS TO STOP BUYING TO SAVE MONEY
What’s a good post to check out in this subreddit?
There are two ways to be rich: One is by acquiring much, and the other is by desiring little.
Enough said.
19. r/simpleliving
Like the previous one, this isn’t only a money subreddit. But with a tagline of “live better with less”, you’re inevitably going to save money by following what this subreddit preaches.
It also means living more sustainably, letting you save money while you save the planet.
What’s a good post to check out in this subreddit?
Just a little bit of inspiration for what your life could look like if you embrace the mantra of simple living.
20. r/BuyItForLife
If the comment in that last point about being sustainable while saving money spoke to you, then the Reddit money saving tips in this sub are for you!
People here are committed to, yep, buying it for life.
And what’s “it”?
Pretty much anything you can think of!
From kitchen appliances to Game Boys to clothes, there are all sorts of ideas of what you should buy once to use it for life – or how to make your things last that long.
RELATED ARTICLE: WHAT TO BUY TO SAVE MONEY – 21 THINGS THAT WILL SAVE YOU THOUSANDS OF DOLLARS
What’s a good post to check out in this subreddit?
About 80 years old. Hand me down cast iron skillet, used daily.
My pans are more like 80 weeks old and look nothing like this. The tips in this thread for how to get it to look like that and last that long are seriously making my day.
Best subreddits for reaching financial independence/early retirement
Getting all this Reddit personal finance advice from other subs is great, but anyone looking to secure their financial future should also be considering the end goal.
And these are some of the best subreddits for that.
So take a look at these people who’ve either reached FIRE (which stands for “Financial Independence Retire Early”) or are looking to do so, as their ideas and inspiring stories could be just what you need to push yourself down the FIRE path too!
21. r/financialindependence
If r/personalfinance is the path you want to follow, r/financialindependence is the goal.
Or the pot of gold at the end of the rainbow or whichever analogy you want to use.
It’s full of people who’ve either reached financial freedom or are trying to do so, meaning it’s full of great tips for how to get to a point where you never have to work again if you don’t want to.
What’s a good post to check out in this subreddit?
While all the ideas on how to reach financial independence are great for those of us trying to get there, it can also be good to see someone who’s made it all the way.
This subreddit is full of people telling their stories of how they got there, so this is just one of many. But it can be super helpful to see how someone very normal with a fairly average salary can become financially independent.
And if he can do it, why can’t you?
22. r/LeanFIRE
“LeanFIRE” is for people who want to reach financial independence in a minimalist way.
Essentially, financial freedom is largely dependent on how much you spend each year.
The less you spend on average, the less you need to save to reach financial independence.
So this subreddit is for people who want to reduce their spending during retirement so they can retire even earlier.
Consider it the next step for people in the r/minimalism subreddit earlier in this article!
What’s a good post to check out in this subreddit?
As the person who posted this said: “Will we ever learn that the more we own, the more that owns us?”
Other Reddit personal finance subs
So you’ve found all the best subreddits for saving money and where to put that money you’ve saved and what to do once you’ve put enough of it away.
But maybe you’re still looking for more random Reddit personal finance tips because you just. Can’t. Get. Enough.
Never fear, I’m here to be your enabler!
23. r/sidehustle
This isn’t the most active personal finance Reddit sub in the world, but it’s a good one to visit from time to time if you’re interested in starting a side hustle and are looking for new ideas.
What’s a good post to check out in this subreddit?
College student $10k Summer Side Hustle
While most side hustle stories are aimed at people who have a regular job and are looking to make money on the side, it’s definitely true that if you have long periods where you’re not working or studying, like when you’re in college, these breaks can be used to make good money from a side hustle.
So this student explains just what he did to earn $10,000 over one summer. Which isn’t a bad chunk of change to put towards next semester’s costs!
RELATED ARTICLE: 21 SIMPLE TIPS ON HOW TO SAVE MONEY AS A STUDENT AT COLLEGE
24. r/churning
Churning is the act of signing up for credit cards to take advantage of sign-up offers. It can be a great way to earn extra travel miles, cash bonuses, higher cash back offers and more.
The only thing to keep in mind is that you have to absolutely make sure that you pay off your balance in full each month, as any interest you incur will easily be higher than any bonuses you get.
You also have to remember to close the card before you’re hit with fees.
But if you’ve got the self discipline to use credit cards in this way, then it can be an excellent strategy to get some extra goodies on the side.
What’s a good post to check out in this subreddit?
Credit Cards to Airlines Chart
If you’re interested in getting a credit card to earn miles, this person’s made a crazily detailed chart for you to find out which card may be best for you.
25. r/Economics
This is one of the more policy-oriented Reddit personal finance subs, with discussions mostly being about US political issues that affect the economy.
There are also some international stories but either way, if you like money AND lurking in arguments about politics (or getting in there yourself), then this subreddit may be for you.
What’s a good post to check out in this subreddit?
A fifth of Americans say they have zero savings
A scary stat but it’s prompted a great conversation in that post on just why this is – and how to avoid it.
26. r/finance
Despite the similar name, this subreddit is pretty different from r/personalfinance.
In fact, it’s much more like r/economics in that it largely consists of finance-related news, but a bit less political (…generally).
What’s a good post to check out in this subreddit?
Reddit valued at $3 billion after raising $300 million in latest funding round
Why did I select this post to highlight?
Well, it’s good to see where all your clicks are going!
(Answer: Into someone else’s bank account. Oh well.)
27. r/beermoney
This is kind of like r/sidehustle in that it’s a personal finance Reddit sub that won’t make you rich, but will help you earn a few extra bucks on the side.
That is, this subreddit is solely dedicated to showing you how to make money online.
So if you’re looking for some ideas to get some cash on the side, then this is the place to be.
What’s a good post to check out in this subreddit?
July earnings. Thaks to Beermoney for opening my eyes.
As mentioned earlier, it’s always helpful to see someone else who’s been there, done that.
And this guy earned almost $1,000 in one month just from some random online tasks.
Not a bad amount of beer money, really!
28. r/Anticonsumption
This subreddit isn’t really for people looking to save money, but it’s definitely one of the outcomes if you follow the ideas discussed here.
Instead, as you’ve probably guessed from the name, it’s for people who think that society consumes too much and who want to live a more sustainable life. Kind of like r/minimalism but with a bit more (often justified!) snark.
What’s a good post to check out in this subreddit?
When a “lovely” handmade gift is still not enough
This isn’t really about personal finance. I just really frigging hate the woman in this story and wanted to share.
Summary of the best personal finance Reddit subs
Hopefully by now you’ve seen what a goldmine the site can be given that there’s really something for everyone, no matter what financial advice you’re looking for.
While r/personalfinance may be the king, the Reddit money saving tips on other subs are particularly good, in my opinion.
So whatever areas of your finances you need to improve, this list should you exactly where to find financial subs that meet your needs!
I’d recommend picking a few subreddits that interest you and subscribing to them rather than following every single one on this list.
After all, Reddit can be a bit like Wikipedia – you’ll be looking for a certain Reddit personal finance tip and before you know it, it’s five hours later and you’ve somehow ended up on a subreddit dedicated to the letter g…
Just one more thing…
If you liked finding out about 28 Personal Finance Subreddits You Need To Follow Today, why not share it with your audience?
They love getting new free money tips too, after all!
2 comments
Wow, I definitely credit the personal finance and financial independence subreddits for starting my journey into the online personal finance community—but I had no idea there were so many offshoots and related subreddits! Great roundup!
Totally agree that those two subreddits are goldmines of information – but it’s definitely kind of cool to see how much else is out there!